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Mentor
There are a number of ways to access retirement funds early. Look up Roth Conversion Ladder. Also principle from any Roth account can be withdrawn penalty free after 5 years, which is how the conversion ladder works.
Mentor
I max tax advantaged accounts. If you RE you don’t need all your money at once. So really you need money to bridge the gap from when you RE to when you can access 401k etc.
Mentor
You have access to low cost index funds in a Roth,, as well. That plus the ability to withdraw principal with a ladder strategy - no reason not to max it
Tho I’d recommend a traditional over roth 401k